# ALLEGIANCE Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/allegiance-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ALLEGIANCE Federal Credit Union is a credit union, headquartered in Oklahoma City, OK, with 82 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 32% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 73% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007U8EFNQS3VJQ70
- **Headquarters:** Oklahoma City, OK
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OK
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.462%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,231
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 82
- **Dollar Volume:** $16 million
- **Applications Received:** 174
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $193,293
- **Average Borrower Income:** $126,671
- **Average Property Value:** $312,195

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 81 | -0.449% | $1,229 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 40 loans, Score: 29/100 (Acceptable)
- Refinance: 41 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 28/100 | 40 | $8M | -0.508% | Acceptable 🙂 |
| Refinance | 51/100 | 42 | $8M | -0.416% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 82 | 0.20% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 77 | 74/100 |

## Where This Lender Ranks

ALLEGIANCE Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Oklahoma City, OK Credit Unions
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Oklahoma City, OK for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does ALLEGIANCE Federal Credit Union offer?

ALLEGIANCE Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ALLEGIANCE Federal Credit Union offer mortgages?

ALLEGIANCE Federal Credit Union offers mortgages in 1 states: OK.

### How competitive are ALLEGIANCE Federal Credit Union's mortgage rates?

ALLEGIANCE Federal Credit Union has a pricing score of 68/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.462% below market average.

### What type of lender is ALLEGIANCE Federal Credit Union?

ALLEGIANCE Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Oklahoma City, OK.

### What is ALLEGIANCE Federal Credit Union's loan approval success rate?

ALLEGIANCE Federal Credit Union has a pull-through score of 27/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/allegiance-federal-credit-union

### How to Cite

> "ALLEGIANCE Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/allegiance-federal-credit-union

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